Free Online Credit Report

Written by Jessica Duquette
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A free online credit report is your first step toward repairing your credit. How you got yourself into this financial pickle is a moot point. Whether college credit card debt, unemployment or an unforeseen circumstance such as a death or accident is the cause for you're financially straining times, you need to repair your credit before you reach your goal of owning a home.

Your free online credit report will list out for you the reasons you have credit problems. Any delinquent bills, collection complaints and outstanding loans will appear on your statement. If you don't have the funds to solve your financial challenges, a credit repair company may appeal to you.

Analyze Your Free Online Credit Report Before Seeking Outside Help

Before you jump into a rash decision, educate yourself on credit repair companies. While many reputable credit bureaus insist repair companies are a scam, you may be willing to try just about anything to improve your credit. There are a few questions that should be asked up front before you sign an agreement.

How much money are they asking for up front before they even begin to provide you with financial services? Check with the Better Business Bureau to see if they have any outstanding claims against them. This company wants to take your money in order to make your bills disappear. If you don't have enough money for your bills now, how can afford them when you are paying an additional fee to a repair agency?


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